Asking to join

Can you join?

Even if you’re not automatically joined to the BTRSS, you can still choose to join a pension at any time if you are:

  • Between 16 and 22 or between state pension age and 74, and you earn over £10,000 a year; or
  • Between 16 and 74, and you earn between £6,240 and £10,000 a year

The only difference is that you won’t be automatically joined to the BTRSS. Instead, you’ll need to let BT know that you want to join a pension.

What you get if you join

You'll get payments from BT into your pension and tax benefits from the Government - so it’s not just you putting money towards your retirement.

Starting a pension is a solid way to save for the future - and the earlier you start the better. Even saving a small amount now can have a big impact on the amount you get when you retire - and when you’ll be able to stop working.

Find out more about the benefits

How to join

You can join the BTRSS at any time.

Once you’re a member of the BTRSS, you’ll receive your welcome pack - and you’ll have one month from then to decide whether you want to stay in the BTRSS or opt out.

Important documents

To help you make an informed decision we've provided you with important information that you should read. You should print or save copies of these documents for future reference.

This is where you will find specific details about BT’s company pension.

Plan summary document for BT employees (PDF, 81KB)

This document explains the features of the pension product your employer has chosen.

Key features document (PDF, 288KB)

This document provides you with more information on how you can take money from your pension flexibly. For more information on the other options available please see the key features document above.

How Drawdown Works (PDF, 211KB)

Read this guide for more information on choosing your investment options if you decide to take money from your pension flexibly.

Choosing investment options for a flexible income (PDF, 119KB)

This document gives you an illustration of what your pension could be worth for BT employees. It may not take into account rebates that may apply to your policy. You can find more information about the charges and rebates on the charges page.

Key features illustration for BT employees (PDF, 114KB)

Read this guide for more information on your investment options, including details about charges and fund codes.

How to choose the right investment options for your pension (PDF, 837KB)

Use this form to instruct Standard Life on payment of death benefits from the BTRSS.

Instruction for payment of death benefits (PDF, 77KB)

Read this guide, provided by BT, for more information about how SMART Pensions work. Standard Life is not responsible for the content of this guide.

SMART Pensions (PDF, 332KB)